Systems and methods for post-acquisition assesment matching

ABSTRACT

A computer-implemented method for post-acquisition assessment matching may include: receiving interaction information associated with a completed interaction involving an item acquired for a first assessment, the interaction information including an item identifier associated with the acquired item and the first assessment; in response to receiving the interaction information, determining whether the item is available for a second assessment based on the item identifier; in response to determining the second assessment for the item, comparing the first assessment with the second assessment; and in response to determining that the first assessment is higher than the second assessment based on the comparison: adjusting the first assessment based on the second assessment; determining a finalized amount for the interaction based on the adjusted first assessment for the item; and causing completion of the interaction based on the finalized amount.

TECHNICAL FIELD

Various embodiments of the present disclosure relate generally toprocessed interactions, and, more particularly, to systems and methodsfor post-acquisition assessment matching.

BACKGROUND

An item may be offered by different providers for different assessments.A person that desires to acquire the item may be apprehensive ofcompleting an interaction with a provider due to a fear of missing outon a better assessment with a different provider.

One technique to alleviate this fear includes comparison searching. Forexample, the person may research assessments of the item offered bydifferent providers prior to making an acquisition. However, researchingassessments may be undesirable, e.g., time consuming, tedious,difficult, etc. Further, the person may not discover one or moreassessments offered for the item, and thus may end up missing out on abetter assessment despite the time and effort put into the comparisonsearching research. Additionally, comparison searching may result in theperson making an acquisition from an unfamiliar and/or less reputableprovider, which may result in a negative person experience and/orpurchase of a defective or deficient item.

Techniques have been developed to facilitate the comparison searchingprocess. For example, an electronic comparison searching tool may beused to retrieve assessments for an item offered by different providers.However, comparison searching tools may still exhibit the issuesdiscussed above. Further, even with the use of tools, comparisonsearching requires the person to take action prior to making anacquisition, and thus a person that does not take advantage ofcomparison searching may miss out on the opportunity of a betterassessment for their purchase.

The present disclosure is directed to addressing above-referencedchallenges. The background description provided herein is for thepurpose of generally presenting the context of the disclosure. Unlessotherwise indicated herein, the materials described in this section arenot prior art to the claims in this application and are not admitted tobe prior art, or suggestions of the prior art, by inclusion in thissection.

SUMMARY OF THE DISCLOSURE

According to certain aspects of the disclosure, methods and systems aredisclosed for post-acquisition assessment matching.

In one aspect, an exemplary embodiment of a computer-implemented methodfor post-acquisition assessment matching may include: receiving, via oneor more processors, interaction information associated with a completedinteraction involving an item acquired for a first assessment, theinteraction information including an item identifier associated with theacquired item and the first assessment; in response to receiving theinteraction information, determining, via the one or more processors,whether the item is available for a second assessment based on the itemidentifier; in response to determining that the item is available forthe second assessment, comparing, via the one or more processors, thefirst assessment with the second assessment; and in response todetermining that the first assessment is higher than the secondassessment based on the comparison: adjusting, via the one or moreprocessors, the first assessment based on the second assessment;determining, via the one or more processors, a finalized amount for theinteraction based on the adjusted first assessment for the item; andcausing, via the one or more processors, completion of the interactionbased on the finalized amount.

In another aspect, an exemplary embodiment of a post-acquisitionassessment-matching system may include: a data storage device storingprocessor-readable instructions; and one or more processors configuredto execute the instructions to perform a method. Such method mayinclude: receiving, via one or more processors, interaction informationassociated with a completed interaction involving an item acquired for afirst assessment, the interaction information including an itemidentifier associated with the acquired item and the first assessment;in response to receiving the interaction information, determining, viathe one or more processors, whether the item is available for a secondassessment based on the item identifier; in response to determining thatthe item is available for the second assessment, comparing, via the oneor more processors, the first assessment with the second assessment; andin response to determining that the first assessment is higher than thesecond assessment based on the comparison: adjusting, via the one ormore processors, the first assessment based on the second assessment;determining, via the one or more processors, a finalized amount for theinteraction based on the adjusted first assessment for the item; andcausing, via the one or more processors, completion of the interactionbased on the finalized amount.

In a further aspect, an exemplary embodiment of a computer-implementedmethod may include: receiving, via one or more processors, interactioninformation associated with a completed interaction involving an itemacquired for a first assessment, the interaction information includingan item identifier associated with the acquired item, the firstassessment, and a provider identifier associated with the acquired item;in response to receiving the interaction information, determining, viathe one or more processors, whether the item is available for a secondassessment based on the item identifier; in response to determining thatthe item is available for the second assessment, comparing, via the oneor more processors, the first assessment with the second assessment; andin response to determining that the first assessment is higher than thesecond assessment based on the comparison: adjusting, via the one ormore processors, the first assessment based on the second assessment;determining, via the one or more processors, a finalized amount for theinteraction based on the adjusted first assessment for the item;causing, via the one or more processors, completion of the interactionbased on the finalized amount; and notifying, via the one or moreprocessors, a person associated with the interaction of one or more ofthe finalized amount for the interaction, the adjusted first assessment,or the second assessment.

It is to be understood that both the foregoing general description andthe following detailed description are exemplary and explanatory onlyand are not restrictive of the disclosed embodiments, as claimed.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings, which are incorporated in and constitute apart of this specification, illustrate various exemplary embodiments andtogether with the description, serve to explain the principles of thedisclosed embodiments.

FIG. 1 depicts an exemplary computing environment for post-acquisitionassessment matching, according to one or more embodiments.

FIG. 2 depicts a flowchart of an exemplary method for post-acquisitionassessment matching, according to one or more embodiments.

FIG. 3 depicts a flowchart of another exemplary method forpost-acquisition assessment matching, according to one or moreembodiments.

FIG. 4 depicts a flowchart of a further exemplary method forpost-acquisition assessment matching, according to one or moreembodiments.

FIG. 5 depicts an example of a computing device, according to one ormore embodiments.

DETAILED DESCRIPTION OF EMBODIMENTS

The terminology used below may be interpreted in its broadest reasonablemanner, even though it is being used in conjunction with a detaileddescription of certain specific examples of the present disclosure.Indeed, certain terms may even be emphasized below; however, anyterminology intended to be interpreted in any restricted manner will beovertly and specifically defined as such in this Detailed Descriptionsection. Both the foregoing general description and the followingdetailed description are exemplary and explanatory only and are notrestrictive of the features, as claimed.

In this disclosure, the term “based on” means “based at least in parton.” The singular forms “a,” “an,” and “the” include plural referentsunless the context dictates otherwise. The term “exemplary” is used inthe sense of “example” rather than “ideal.” The terms “comprises,”“comprising,” “includes,” “including,” or other variations thereof, areintended to cover a non-exclusive inclusion such that a process, method,or item that comprises a list of elements does not necessarily includeonly those elements, but may include other elements not expressly listedor inherent to such a process, method, article, or apparatus. Relativeterms, such as, “substantially” and “generally,” are used to indicate apossible variation of ±10% of a stated or understood value.

The term “provider” generally encompasses an entity or person involvedin providing, selling, and/or renting items to persons such as a seller,dealer, renter, merchant, vendor, or the like, as well as an agent orintermediary of such an entity or person. A “person” generallyencompasses a person interested in or engaged in an acquisition of anitem, or a person that has acquired an item. An “item” generallyencompasses a good, service, or the like having ownership or otherrights that may be transferred.

A person may desire to acquire (e.g., purchase) an item for the bestavailable assessment (e.g., price). However, the person may not obtainsufficient information in order to find a provider offering the item atthe best assessment. Further, once the person makes an acquisition ofthe item for a given assessment, the person may be unable to benefitfrom an offer providing a lower assessment. Accordingly, improvements intechnology relating to comparison searching are needed.

In the following description, embodiments will be described withreference to the accompanying drawings. As will be discussed in moredetail below, in various embodiments, systems and methods forfacilitating processed interactions in order to perform post-acquisitionassessment-matching, are described.

One or more aspects of the following description may pertain to aprocessed interaction. A processed interaction, e.g., an interactionconducted via an instrument other than cash (e.g., an interaction item)and that may be processed by one or more third parties in order to beexecuted, generally includes processing operations such asauthorization, clearing, completion (e.g., settlement), and funding.Third parties, e.g., parties other than a buyer or seller or the like,may include entities such as a payment processor, an interaction itemissuer (e.g., a credit card company), a banking institution, etc.

Although the operations may vary from interaction to interaction,generally, a processed interaction may proceed as follows. A person mayinitiate a processed interaction by presenting a non-cash instrumentand/or interaction item to a provider such as a credit or debit card,token, scrip, coupon, note, check, e-payment, etc. To authorize theinstrument, the provider may submit data associated with interaction toa payment processor. The payment processor may verify that the personhas sufficient funds to execute the interaction, e.g., by transmittingat least a portion of the interaction data to the instrument issuer,which may return an interaction authorization to the payment processorand/or the provider, as appropriate. The provider may then proceed withthe interaction. Thereafter, the provider may from time to time submit acompletion request to the payment processor, which may initiate atransfer of funds from the instrument issuer to the provider, e.g., viaone or more banking and/or financial institutions. The instrument issuermay also request a completion from the person from time to time, e.g.,via a credit card bill, clearing a check from the person's bankinginstitution, etc.

In an exemplary use case, a person may execute a processed interaction,e.g., by presenting an interaction item other than cash, to make anacquisition of an item from a provider, e.g., at a physical store,e-commerce platform, or the like associated with the provider. The itemmay be acquired at a first assessment. From time to time, the providermay transmit a completion request to a payment processor associated withthe provider. The payment processor may transmit a funding request to afinancial institution associated with the interaction item presented bythe person. The funding request may be for an amount based on the firstassessment. The financial institution may employ a post-acquisitionassessment-matching system. For example, the post-acquisitionassessment-matching system may determine that the item acquired by theperson is available at a second assessment that is preferable to, e.g.,lower than, the first assessment. In response to such determination, thepost-acquisition assessment-matching system may adjust the amount forthe funding request based on the second assessment. For example, thepost-acquisition assessment-matching system may adjust the value for thefirst assessment used to determine the amount for the funding request,and determine an adjusted amount for the funding request based on theadjusted first assessment. The post-acquisition assessment-matchingsystem may initiate and/or cause completion of the funding request basedon the adjusted amount, e.g., via a transfer of the adjusted amount froman account associated with the person to an account associated with theprovider and/or other associated entities. The post-acquisitionassessment-matching system may transmit a notification to one or more ofthe provider, the payment processor, or the person, e.g., via anelectronic message, electronic application, mailing, or the like,indicative of the adjusted amount. Thus, in an example, from theperson's perspective, the person may make an acquisition of an item at afirst assessment without regard for comparison searching and, after thecompletion of the acquisition, may nevertheless benefit from a morepreferable assessment, without requiring that the person take anyparticular action.

In some circumstances, the funding request, and/or other communicationsbetween entities involved in a processed interaction, e.g., a provider,a payment processor, a financial institution, etc., may not includesufficient information for a post-acquisition assessment-matching systemto identify an acquired item in order to perform post-acquisitionassessment matching. In some circumstances, the post-acquisitionassessment-matching system may be configured to perform post-acquisitionassessment matching in response to a person's request. In somecircumstances, the post-acquisition assessment-matching system maytransmit a request to the person for information usable to identify anacquired item. In some circumstances, the post-acquisitionassessment-matching system may be configured to receive informationusable to identify an acquired item.

In another exemplary use case, a person may execute a processedinteraction to make an acquisition of an item from a provider. The itemmay be acquired at a first assessment. The post-acquisitionassessment-matching system may obtain or receive interaction informationincluding the first assessment and information usable to identify theitem, e.g., an item identification number, an item name, a description,an image of the item, or the like. In some examples, the person maytransmit the information to the post-acquisition assessment-matchingsystem, e.g., via a user device. In some examples, such a transmissionmay be in response to a request from the post-acquisitionassessment-matching system. In some examples, the post-acquisitionassessment-matching system may obtain the information from a providersystem associated with the provider, or the like. In response to thetransmission, the post-acquisition assessment-matching system mayidentify the item based on the information in the request, and maydetermine a second assessment for the item that may be more preferable,e.g., lower, than the first assessment. A financial institutionassociated with an interaction item used by the person to acquire theitem from the provider may receive a funding request for settling theinteraction with the provider, e.g., via a payment processor used by theprovider to process the interaction. The financial institution mayemploy the post-acquisition assessment-matching system to adjust anamount for the funding request, e.g., based on the determined secondassessment for the item, and may fulfil the funding request based on theadjusted amount. In this manner, a person may request and obtain thebenefit of comparison searching after an acquisition is made, such as incircumstances where the post-acquisition assessment-matching system maynot receive an identification of the item from the provider.

In an example, the provider, the payment processor, the financialinstitution, or another entity may provide one or more of a restriction,criteria, limitation, or the like on a post-acquisitionassessment-matching of an item. For example, there may be a limitedrange for adjusting the amount for the assessment of the item, theamount for the funding request, or the like. There may be a limitationon a quantity of a particular item, a quantity of items in aninteraction, or the like that may be assessment-matched. There may be athreshold of funds to apply to assessment-matching, e.g., anaccumulation of adjustments across interaction within a predeterminedperiod of time, that, when reached, enacts restrictions onassessment-matching of the item or items from the provider. There may bea minimum assessment for an item, irrespective of the determined secondassessment for the item. Any suitable restriction, criteria, limitation,or the like may be used.

In a further use case, a person may execute a processed interaction tomake an acquisition of an item from a provider. The item may be acquiredat a first assessment. The post-acquisition assessment-matching systemmay obtain or receive interaction information including the firstassessment and information usable to identify the item. In response tothe transmission, the post-acquisition assessment-matching system mayidentify the item based on the information in the request, and maydetermine a second assessment for the item that may be more preferable,e.g., lower, than the first assessment. The post-acquisitionassessment-matching system may transmit a notification to the person,e.g., via a user device, that includes information indicating the morepreferable second assessment, and/or information describing one or moreof where, when, or how the second assessment may be available to theperson.

In an additional use case, a person may execute a processed interactionto make an acquisition of an item from a provider. The item may beacquired at a first assessment. The post-acquisition assessment-matchingsystem may obtain or receive interaction information including the firstassessment and information usable to identify the item. In response tothe transmission, the post-acquisition assessment-matching system mayidentify the item based on the information in the request, and maydetermine a second assessment for the item that may be more preferable,e.g., lower, than the first assessment. A financial institutionassociated with an interaction item used by the person to acquire theitem from the provider may receive a funding request for settling theinteraction with the provider, e.g., via a payment processor used by theprovider to process the interaction. The financial institution mayfulfill the funding request based on the first assessment, e.g., anun-adjusted amount. The financial institution may determine a differencebetween the first assessment and the second assessment, and may executea further interaction to, for example, compensate the person for thedifference in assessment. The compensation may originate from one ormore of the provider, the financial institution, the payment processor,or the like.

FIG. 1 depicts an exemplary computing environment 100 that may beutilized with techniques presented herein. One or more user device(s)105, one or more provider system(s) 110, one or more financialinstitution system(s) 115, and/or one or more third-party system(s) 120may communicate across an electronic network 125. As will be discussedin further detail below, one or more post-acquisitionassessment-matching system(s) 130 may communicate with one or more ofthe other components of the computing environment 100. The systems anddevices of the computing environment 100 may communicate in anyarrangement. As will be discussed herein, systems and/or devices of thecomputing environment 100 may communicate in order to facilitate aprocessed interaction in order to perform post-acquisitionassessment-matching and/or other actions.

The user device 105 may be a computer system such as, for example, adesktop computer, a mobile device, etc. In an exemplary embodiment, theuser device 105 is a cellphone, or the like. In some embodiments, theuser device 105 may include one or more electronic application(s), e.g.,a program, plugin, etc., installed on a memory of the user device 105.In some embodiments, the electronic application(s) may be associatedwith one or more of the other components in the computing environment100. For example, the electronic application(s) may include personauthentication tools, a digital wallet of the person, an applicationthat provides access to an e-commerce store-front of a providerassociated with the provider device, item search tools, or the like.

In some embodiments, the provider system 110 and/or another systemassociated with the provider system 110, e.g., a PoS system, may beconfigured to capture interaction data associated with a processedinteraction. Interaction data may include, for example, one or more ofan interaction assessment, item(s) associated with the interaction, etc.Interaction data may also include information associated with aninteraction item provided by a person and/or the user device 105 suchas, for example, one or more of interaction item type, an issuerassociated with the interaction item, an account number for theinteraction item, authentication information for the interaction item,expiration date information for the interaction item, etc. Interactiondata may also include information associated with the person such as,for example, one or more of a name, address, contact information, otherinteraction items available to the person, etc.

The provider system 110 may include item information, item assessmentinformation, information associated with one or more of a limitation,restriction, criteria, or the like for assessment-matching of one ormore items, tax or fee information, etc. The financial institutionsystem(s) 115 may be associated with an interaction item and/orinteraction item presented by the person during a processed interaction,a financial account associated with the person, and/or a financialaccount associated with the provider. The third-party system 120 mayinclude, for example, one or more of a payment processor system, abanking institution, a credit clearing house, or the like, or any otherentity that may be associated with a processed interaction.

In various embodiments, the electronic network 125 may be a wide areanetwork (“WAN”), a local area network (“LAN”), personal area network(“PAN”), or the like. In some embodiments, electronic network 125includes the Internet, and information and data provided between varioussystems occurs online. “Online” may mean connecting to or accessingsource data or information from a location remote from other devices ornetworks coupled to the internet. Alternatively, “online” may refer toconnecting or accessing an electronic network (wired or wireless) via amobile communications network or device. The Internet is a worldwidesystem of computer networks—a network of networks in which a party atone computer or other device connected to the network can obtaininformation from any other computer and communicate with parties ofother computers or devices. The most widely used part of the Internet isthe World Wide Web (often-abbreviated “WWW” or called “the Web”). Insome embodiments, the electronic network 125 includes or is incommunication with a telecommunications network, e.g., a cellularnetwork.

As discussed in further detail below, the post-acquisitionassessment-matching system 130 may be configured for one or more ofidentifying an item acquired in a processed interaction, determining oneor more assessments for the item offered by one or more providers,adjust an amount for funding the processed interaction, or causing,enacting, and/or facilitating completion of the processed interaction.Although depicted as separate components in FIG. 1 , it should beunderstood that a component or portion of a component may, in someembodiments, be integrated with or incorporated into one or more othercomponents. For example, a portion of the provider system 110 may beprovided to the user device 105 as an electronic portal via theelectronic application. At least a portion of post-acquisitionassessment-matching system 130 may be integrated into the providersystem 110, the financial institution system 115, the user device 105,and/or the third-party system 120. Any suitable arrangement of thevarious systems and devices of the computing environment 100 may beused.

In the methods below, various acts are described as performed orexecuted by a component from FIG. 1 , such as the post-acquisitionassessment-matching system 130. However, it should be understood that invarious embodiments, various components of the computing environment 100discussed above may execute instructions or perform acts including theacts discussed below. Further, it should be understood that in variousembodiments, various steps may be added, omitted, and/or rearranged inany suitable manner.

FIG. 2 illustrates an exemplary process for recommending an interactionitem for an interaction between a person and a provider, such as in thevarious examples discussed above. A person may acquire an item from aprovider at a first assessment, e.g., by providing an interaction itemto the provider. The person may have and/or be associated with a userdevice 105, e.g., a mobile device.

At step 205, a post-acquisition assessment-matching system 130 mayreceive interaction information associated with the completedinteraction, e.g., a processed interaction, involving the item acquiredfor the first assessment. The interaction information may include, forexample, information indicative of or usable to determine anidentification of the item, e.g., an item identification number oridentifier, an item name, a description, an image of the item, or thelike. The interaction information may include the first assessment. Theinteraction information may include interaction item method data for aninteraction item used and/or presented by a person to execute theinteraction.

Interaction item method data may include, for example, an accountnumber, an expiration date, information associated with an interactionitem issuer, information associated with a financial institutionassociated with the interaction item and/or the person, authenticationinformation, person information such as name or address, available fundsor credit, or the like.

In some embodiments, the interaction information may be received in thecourse of processing the interaction, e.g., via a provider system 110and/or PoS system used to execute the interaction and/or obtain theinteraction item data, a third-party system 120 such as a paymentprocessor system or the like, and/or a financial institution system 115associated with the interaction item, the person, and/or the provider.For example, in some embodiments, the interaction information may bereceived with and/or as part of a funding request for settling theinteraction. In some embodiments, as discussed in further detail below,the interaction information may be received from the person, e.g., viathe user device 105. For example, the person may provide the interactioninformation with a request for assessment-matching of the acquired item,and/or in response to a request from the post-acquisitionassessment-matching system 130.

At step 210, in response to receiving the interaction information, thepost-acquisition assessment-matching system 130 may determine, e.g.,based on the information usable to identify the item such as an itemidentifier, whether the item is available for a second assessment. Insome embodiments, the interaction, and thus the acquisition of the itemat the first assessment, may have occurred at a first point in time, andthe post-acquisition assessment-matching system 130 may determinewhether the item is available for a second assessment at a second pointin time. In some embodiments, the second point in time may occur afterthe first point in time. In some embodiments, the first point in timemay occur after the second point in time. In some embodiments, thepost-acquisition assessment-matching system 130 may obtain an assessmentfor the item that may be offered one or more of before or after theacquisition of the item for the first assessment.

In some embodiments, determining whether the item is available for asecond assessment includes accessing a first database of assessments foritems, and determining whether the first database includes at least oneassessment for the item different than the first assessment. Forexample, in some embodiments, the first database may cross-reference anitem identifier with assessments offered for the item, such that theitem identifier is usable to retrieve the assessments offered for theitem recorded in the first database. As discussed in further detailbelow, in some embodiments, the post-acquisition assessment-matchingsystem 130 may determine an item identifier for the item based on theinformation indicative of or usable to determine an identification ofthe item.

In some embodiments, the first database may track one or moreassessments for items over time. In some embodiments, the first databasemay retain records of assessments for a predetermined period of time,and/or the post-acquisition assessment-matching system 130 may access aportion of the first database corresponding to a predetermined period oftime. In some embodiments, the first database may include predictions ofa future assessment for an item. In some embodiments, the first databasemay include a trend-based assessment for an item, e.g., an average,running average, or the like.

At step 215, in response to determining that the item is available forthe second assessment, the post-acquisition assessment-matching system130 may compare the first assessment with the second assessment. In someembodiments, determining that the item is available for the secondassessment includes obtaining at least one assessment for the item fromthe first database that is different from the first assessment, andselecting one of the at least one obtained assessments as the secondassessment.

In some embodiments, selecting one of the at least one obtainedassessments as the second assessment includes selecting a lowest of theat least one obtained assessments. In some embodiments, post-acquisitionassessment-matching system 130 may obtain incentive informationassociated with one or more of the at least one obtained assessments,e.g., a second database that includes one or more of a coupon, discount,or other incentive, that may be applied to a particular assessment, ashipping cost, a tax or fee, or the like. In some embodiments, one ofthe at least one obtained assessments may be selected based on theobtained incentive information. For example, in some embodiments, one ofthe at least one obtained assessments may be selected based on a highestvalue to the person, e.g., based on a lowest total amount associatedwith a respective assessment minus a corresponding incentive. In someembodiments, the second assessment selected by the post-acquisitionassessment-matching system 130 may be the respective assessment minusthe corresponding incentive, e.g., the actual amount to the persontaking any incentives into account, rather than the listed assessment.Any suitable criteria may be used to perform the selection.

Optionally, at step 220, the post-acquisition assessment-matching system130 may transmit a notification to the person, e.g., via the user device105, that includes information including the second assessment. In someembodiments, the notification may include a message indicating that theperson may have missed out on a better assessment for the item, e.g.,the second assessment. In some embodiments, the message may includeinformation describing a provider associated with the second assessment,incentives associated with the second assessment, or other informationrelevant to the item, the interaction, and/or the second assessment.

At step 225, in response to determining that the first assessment isless preferable compared to, e.g., higher than, the second assessment,based on the comparison of the first assessment and the secondassessment, the post-acquisition assessment-matching system 130 mayadjust the first assessment based on the second assessment. In someembodiments, the adjustment includes lowering the first assessment by areduction amount. In some embodiments, the reduction amount isdetermined based on a difference between the first assessment and thesecond assessment.

In some embodiments, the provider, the payment processor, the financialinstitution, the person, and/or another entity associated with theinteraction may provide, require, and/or enact one or more restrictions,limitations, criteria, or the like associated with the reduction amountand/or other aspects of the assessment matching of the item.

In some embodiments, there may be a minimum assessment for the item. Insome embodiments, determining the reduction amount may include obtainingthe minimum assessment for the item, and determining the reductionamount based on a difference between the first assessment and a higherof the minimum assessment and the second assessment. For example, insome embodiments, the minimum assessment may result in the adjustedfirst assessment being at the least the minimum assessment. In someembodiments, there may be a maximum quantity of items in a singleinteraction that may be assessment compared. In some embodiments, theremay be a maximum amount that a total amount of an interaction thatincludes one or more items may be reduced by.

In some embodiments, there may be a maximum quantity of the item withina predetermined period of time that may be assessment-matched. Forexample, further assessment matching for an item may be halted after apredetermined quantity, e.g., 1,000, of the item have been assessmentmatched within a predetermined period of time, e.g., one day, andassessment matching for the item may resume after the predeterminedperiod of time expires.

In some embodiments, there may be a maximum impact on the provider forassessment matching for the item, and/or for interactions as a wholewithin a predetermined period of time. For example, values of reductionamounts for the item and/or other items may be accumulated over time todetermine a total impact on the provider. Assessment-matching for theprovider may be halted in response to the total impact reaching themaximum impact within the predetermined period of time, and may resumeafter the predetermined period of time expires. In an example,assessment-matching a particular interaction may result in a providerlosing out on $3.00, and matching for another interaction may result inthe provider losing out on $1.50, and so on, until the total impact onthe provider reaches a predetermined maximum impact of $10, $100,$1,000, etc., within a predetermined period of time, e.g., a minute, anhour, a day, a week, a month, etc.

In some embodiments, there may be a restriction preventingassessment-matching for one or more items, categories of items, or thelike. In some embodiments, there may be a requirement that the secondassessment was available one or more of before, during, or after aperiod of time in which the first assessment was available and/or apoint in time at which the interaction was executed. In someembodiments, there may be a restriction on providers that may be used toprovide the second assessment. For example the provider may honorassessment matching from a first other provider, but not from a secondother provider.

At step 230, the post-acquisition assessment-matching system 130 maydetermine a finalized amount for the interaction based on the adjustedfirst assessment for the item. For example, in some embodiments, theadjustment to the first assessment may be associated with an adjustmentto a tax or fee associated with the interaction, and incentive offeredto the person, or the like.

At step 235, the post-acquisition assessment-matching system 130 maycause the interaction to be completed based on the finalized amount.Completion may include, for example, a transfer of funds from afinancial account associated with the person to a financial accountassociated with the provider and/or one or more other entitiesassociated with the interaction.

At step 240, the post-acquisition assessment-matching system 130 maynotify one or more of the provider, the person, or another entityassociated with the interaction of one or more of the finalized amountfor the interaction, the adjusted first assessment, or the secondassessment. For example, the post-acquisition assessment-matching system130 may transmit an audit, a financial statement, a message, or thelike.

In some embodiments, instead of adjusting the first assessment anddetermining a finalized amount based on the adjusted first assessment,the post-acquisition assessment-matching system 130 may determine adifference between the first assessment and the second assessment. Afterfulfilling the completion request based on an unadjusted finalizedamount, the post-acquisition assessment-matching system 130 may executea further interaction to transfer the determined assessment differenceto the person. In some embodiments, the further interaction may befunded by one or more of the financial institution, the provider, thepayment processor, or the like. In some embodiments, thepost-acquisition assessment-matching system 130 may transmit anotification regarding the further interaction to one or more of theperson, the provider, or the like.

FIG. 3 illustrates another exemplary process for post-acquisitionassessment matching of an item.

At step 305, a provider may accept an acquisition of an item, e.g., viaa provider system 110 and/or a PoS device at a first assessment.

At step 310, the provider may transmit a completion request to a firstfinancial institution associated with the provider. The completionrequest may include interaction information for an interaction includingthe acquisition of the item.

At step 315, a second financial institution associated with aninteraction item used by a person to make the acquisition may receivethe interaction information. In some embodiments, the interactioninformation may be received with a funding request from the firstfinancial institution. In some embodiments, the interaction informationmay be received from the provider, the person, a third party system 120,or the like.

At step 320, the second financial institution and/or a post-acquisitionassessment-matching system 130 associated with the second financialinstitution may parse and/or format the interaction information. Forexample, the second financial institution and/or the post-acquisitionassessment-matching system 130 may extract information usable toidentify the item from the interaction information.

At step 325, the second financial institution and/or thepost-acquisition assessment-matching system 130 may use the informationusable to identify the item to obtain one or more other assessments forthe item and/or one or more incentives associated with the one or moreother assessments, and may select one of the one or more otherassessments as a second assessment for the item. In some embodiments,step 325 may be performed if any only if one or more limitations,criteria and/or restrictions associated with assessment-matching for theprovider are satisfied.

At step 330, the second financial institution and/or thepost-acquisition assessment-matching system 130 may adjust and/or updatethe interaction information based on the second assessment, e.g., byreducing the first assessment by a reduction amount and/or replacing thefirst assessment with the second assessment.

At step 335, the second financial institution and/or thepost-acquisition assessment-matching system 130 may transmit the updatedinteraction information to the provider.

At step 340, the second financial institution and/or thepost-acquisition assessment-matching system 130 may cause and/orfacilitate completion of the interaction.

At step 345, the second financial institution and/or thepost-acquisition assessment-matching system 130 may notify the person ofthe updated interaction information.

FIG. 4 illustrates another exemplary process for post-acquisitionassessment matching. A person may purchase an item from a provider at afirst assessment, e.g., by providing an interaction item to theprovider. The person may have and/or be associated with a user device105, e.g., a mobile device.

At step 405, the post-acquisition assessment-matching system 130 mayreceive interaction information associated with the completedinteraction, e.g., in the course of the processing of the interaction,such as from one or more of the provider system 110, the financialinstitution system 115, a third-party system 120, etc. In someembodiments, the interaction information received by thepost-acquisition assessment-matching system 130 may include an itemidentifier usable to identify the item, e.g., in a first database ofitems and assessments as described above. In some embodiments, theinteraction information may not include such an item identifier. Forexample, the provider may provide different types or amounts ofinformation in the interaction information. For instance, the providermay have an agreement or the like with the financial institution, e.g.,is a provider partner, and provides information in the interactioninformation in accordance with the agreement such as an item identifieror the like. In another instance, the provider may provide informationnecessary to process the interaction, and may not include informationlike an item identifier in the interaction information.

Optionally, at step 410, the post-acquisition assessment-matching system130 may transmit a prompt to the user device 105 for further interactioninformation for the acquisition. For example, the post-acquisitionassessment-matching system 130 may prompt the person, via the userdevice 105, for information such as, for example, an item name, an itemassessment, an item identifier, a description, an image of the item, animage or copy of at least a portion of receipt or statement from theacquisition, etc.

Optionally, at step 415, the post-acquisition assessment-matching system130 may receive further interaction information from the person, e.g.,via the user device. In some embodiments, the further interaction may bereceived in response to the prompt. In some embodiments, the furtherinteraction information may be received with a request from the personfor assessment-matching of the acquisition, e.g., with or without regardto the prompt.

At step 420, the post-acquisition assessment-matching system 130 mayidentify an item identifier for the item acquired by the person. In someembodiments, the identification may be based on the interactioninformation, the further interaction information, or the like. Forexample, in some embodiments, the post-acquisition assessment-matchingsystem 130 may parse an image of a receipt for the interaction receivedfrom the person in order to determine information about the acquireditem such as one or more of an item name, the first assessment, an itemidentifier, etc.

In some embodiments, the post-acquisition assessment-matching system 130may employ an algorithm, a machine learning model, or other techniquesusable to determine an item identifier for an item based on one or moreportions of item information. U.S. patent application Ser. No.16/799,429, filed on Feb. 24, 2020, and entitled “Systems and Methodsfor Generating Price Comparisons,” the disclosure of which isincorporated herein in its entirety, discloses various techniques foridentifying an item based on one or more portions of item information.

At step 425, the post-acquisition assessment-matching system 130 maydetermine, e.g., based on the determined item identifier, whether theitem is available for a second assessment. In some embodiments, thepost-acquisition assessment-matching system 130 may access the firstdatabase in the manner discussed above to identify different assessmentsfor the item, and select one of the different assessments as the secondassessment. In some embodiments, the post-acquisitionassessment-matching system 130 may employ an offer finder algorithm,Application Programming Interface “API”, machine learning model, or thelike, such as in one or more techniques disclosed by the U.S. patentapplication Ser. No. 16/799,429 noted above.

At step 430, in response to determining that the item is available forthe second assessment, the post-acquisition assessment-matching system130 may compare the first assessment with the second assessment.

At step 435, in response to determining that the first assessment isless preferable compared to, e.g., higher than, the second assessment,based on the comparison of the first assessment and the secondassessment, the post-acquisition assessment-matching system 130 mayadjust the first assessment based on the second assessment.

At step 440, the post-acquisition assessment-matching system 130 maydetermine a finalized amount for the interaction based on the adjustedfirst assessment for the item.

At step 445, the post-acquisition assessment-matching system 130 maycause the interaction to be completed based on the finalized amount.

Further aspects of the disclosure are discussed in the additionalembodiments below. It should be understood that embodiments in thisdisclosure are exemplary only, and that other embodiments may includevarious combinations of features from other embodiments, as well asadditional or fewer features.

In an exemplary embodiment, instead of and/or in addition to adjustingthe first assessment of the item, and determining a finalized amount foran interaction based on the adjusted first assessment, thepost-acquisition assessment-matching system 130 may provide a credit orother benefit to the person based on the adjustment to the firstassessment. For example, in some embodiments, the post-acquisitionassessment-matching system 130 may cause completion of the interactionso that the provider does not experience a change in the assessment forthe item paid by the person, and may provide the credit or incentive tothe person so that the person may benefit from the comparison searching.

In a further exemplary embodiment, the post-acquisitionassessment-matching system 130 may select between applying a credit orincentive and adjusting the first assessment prior to completion of theinteraction, e.g., based on a predetermined criteria. For example insome embodiments, the post-acquisition assessment-matching system 130may provide a credit or incentive if the adjustment to the firstassessment is below a first amount, and may adjust the first assessmentprior to completion if the adjustment is above the first amount, or viceversa.

In another exemplary embodiment, the post-acquisitionassessment-matching system 130 may be configured to only performassessment matching for an item in response to a request from theperson. In some embodiments, the post-acquisition assessment-matchingsystem 130 may be configured to only perform assessment matching on anitem acquired within a predetermined period of time, e.g., within thelast month, week, or day.

In an additional exemplary embodiment, the post-acquisitionassessment-matching system 130 may be used to assessment match anin-progress purchase. For example, as noted above, generally, to processan assessment, a provider submits interaction information that includesassessment information and an interaction assessment to a paymentprocessor. The payment processor may submit the interaction informationto the post-acquisition assessment-matching system 130, and thepost-acquisition assessment-matching system 130 may determine anadjusted interaction assessment, e.g., in a manner similar to one ormore of the examples discussed above. The post-acquisitionassessment-matching system 130 may transmit information related to theadjusted interaction assessment and/or other related information such asan offer used to assessment-match one of the items included in theinteraction, to the payment processor. The payment processor mayauthorize the interaction for the adjusted interaction assessment. Oneor more of the payment processor, the post-acquisitionassessment-matching system 130, or the like may transmit a notificationindicative of the adjustment to the acquisition assessment to one ormore of the person and the provider.

In additional use cases, it should be understood that any of thetechniques discussed in one or more of the examples above may be appliedto assessment-matching that is employed post-completion,intra-completion, intra-authorization, or at any other point during orafter the processing of a processed interaction. In some embodiments,assessment matching for different items in an interaction may occur atdifferent points in or after the processing of the interaction.

In another exemplary embodiment, a computer-implemented method forpost-purchase price matching may include: receiving, via one or moreprocessors, transaction information associated with a completedtransaction involving a product purchased for a first price, thetransaction information including a product identifier associated withthe purchased product and the first price; in response to receiving thetransaction information, determining, via the one or more processors,whether the product is available for a second price based on the productidentifier; in response to determining that the product is available forthe second price, comparing, via the one or more processors, the firstprice with the second price; and in response to determining that thefirst price is higher than the second price based on the comparison:adjusting, via the one or more processors, the first price based on thesecond price; determining, via the one or more processors, a finalizedamount for the transaction based on the adjusted first price for theproduct; and causing, via the one or more processors, settlement of thetransaction based on the finalized amount.

In some embodiments, determining whether the product is available for asecond price includes: accessing a first database of prices forproducts; and determining whether the first database includes at leastone price for the product different from the first price.

In some embodiments, determining that the product is available for thesecond price includes: obtaining at least one price for the productdifferent from the first price from the first database; and selectingone of the at least one obtained prices as the second price.

In some embodiments, the selecting of the one of the at least oneobtained prices as the second price includes: selecting a lowest of theat least one obtained prices.

In some embodiments, adjusting the first price based on the second priceincludes lowering the first price by a reduction amount.

In some embodiments, the method further includes determining thereduction amount based on a difference between the first price and thesecond price.

In some embodiments, determining the reduction amount includes:obtaining a minimum price for the product; and determining the reductionamount based on a difference between the first price and a higher of theminimum price and the second price.

In some embodiments, determining the finalized amount for thetransaction based on the adjusted first price includes determining oneor more of a tax or fee for the transaction based on the adjusted firstprice.

In some embodiments, the method further includes notifying, via the oneor more processors, a merchant associated with the transaction of one ormore of the finalized amount for the transaction, the adjusted firstprice, or the second price.

In some embodiments, the method further includes notifying, via the oneor more processors, a customer associated with the transaction of one ormore of the finalized amount for the transaction, the adjusted firstprice, or the second price.

In another exemplary embodiment, a post-purchase price-matching systemmay include: a data storage device storing processor-readableinstructions; and one or more processors configured to execute theinstructions to perform a method. The method may include: receiving, viaone or more processors, transaction information associated with acompleted transaction involving a product purchased for a first price,the transaction information including a product identifier associatedwith the purchased product and the first price; in response to receivingthe transaction information, determining, via the one or moreprocessors, whether the product is available for a second price based onthe product identifier; in response to determining that the product isavailable for the second price, comparing, via the one or moreprocessors, the first price with the second price; and in response todetermining that the first price is higher than the second price basedon the comparison: adjusting, via the one or more processors, the firstprice based on the second price; determining, via the one or moreprocessors, a finalized amount for the transaction based on the adjustedfirst price for the product; and causing, via the one or moreprocessors, settlement of the transaction based on the finalized amount.

In some embodiments, determining whether the product is available for asecond price includes: accessing a first database of prices forproducts; and determining whether the first database includes at leastone price for the product different from the first price.

In some embodiments, determining that the product is available for thesecond price includes: obtaining at least one price for the productdifferent from the first price from the first database; and selectingone of the at least one obtained prices as the second price.

In some embodiments, the selecting of the one of the at least oneobtained prices as the second price includes selecting a lowest of theat least one obtained prices.

In some embodiments, adjusting the first price based on the second priceincludes lowering the first price by a reduction amount.

In some embodiments, the method may further include determining thereduction amount based on a difference between the first price and thesecond price.

In some embodiments, determining the reduction amount includes:obtaining a minimum price for the product; and determining the reductionamount based on a difference between the first price and a higher of theminimum price and the second price.

In some embodiments, determining the finalized amount for thetransaction based on the adjusted first price includes determining oneor more of a tax or fee for the transaction based on the adjusted firstprice.

In some embodiments, the method further includes: notifying, via the oneor more processors, a merchant associated with the transaction of one ormore of the finalized amount for the transaction, the adjusted firstprice, or the second price; and notifying, via the one or moreprocessors, a customer associated with the transaction of one or more ofthe finalized amount for the transaction, the adjusted first price, orthe second price.

In a further exemplary embodiment, a computer-implemented method mayinclude: receiving, via one or more processors, transaction informationassociated with a completed transaction involving a product purchasedfor a first price, the transaction information including a productidentifier associated with the purchased product, the first price, and amerchant identifier associated with the purchased product; in responseto receiving the transaction information, determining, via the one ormore processors, whether the product is available for a second pricebased on the product identifier; in response to determining that theproduct is available for the second price, comparing, via the one ormore processors, the first price with the second price; and in responseto determining that the first price is higher than the second pricebased on the comparison: adjusting, via the one or more processors, thefirst price based on the second price; determining, via the one or moreprocessors, a finalized amount for the transaction based on the adjustedfirst price for the product; causing, via the one or more processors,settlement of the transaction based on the finalized amount; andnotifying, via the one or more processors, a customer associated withthe transaction of one or more of the finalized amount for thetransaction, the adjusted first price, or the second price.

In general, any process or operation discussed in this disclosure thatis understood to be computer-implementable, such as the processillustrated in FIGS. 2-4 , may be performed by one or more processors ofa computer system, such any of the systems or devices in the computingenvironment 100 of FIG. 1 , as described above. A process or processstep performed by one or more processors may also be referred to as anoperation. The one or more processors may be configured to perform suchprocesses by having access to instructions (e.g., software orcomputer-readable code) that, when executed by the one or moreprocessors, cause the one or more processors to perform the processes.The instructions may be stored in a memory of the computer system. Aprocessor may be a central processing unit (CPU), a graphics processingunit (GPU), or any suitable types of processing unit.

A computer system, such as a system or device implementing a process oroperation in the examples above, may include one or more computingdevices, such as one or more of the systems or devices in FIG. 1 . Oneor more processors of a computer system may be included in a singlecomputing device or distributed among a plurality of computing devices.A memory of the computer system may include the respective memory ofeach computing device of the plurality of computing devices.

FIG. 5 is a simplified functional block diagram of a computer 500 thatmay be configured as a device for executing the methods of FIGS. 2-4 ,according to exemplary embodiments of the present disclosure. FIG. 5 isa simplified functional block diagram of a computer that may beconfigured as the post-acquisition assessment-matching system 130 and/oranother system according to exemplary embodiments of the presentdisclosure. In various embodiments, any of the systems herein may be acomputer 500 including, for example, a data communication interface 520for packet data communication. The computer 500 also may include acentral processing unit (“CPU”) 502, in the form of one or moreprocessors, for executing program instructions. The computer 500 mayinclude an internal communication bus 508, and a storage unit 506 (suchas ROM, HDD, SDD, etc.) that may store data on a computer readablemedium 522, although the computer 500 may receive programming and datavia network communications. The computer 500 may also have a memory 504(such as RAM) storing instructions 524 for executing techniquespresented herein, although the instructions 524 may be storedtemporarily or permanently within other modules of computer 500 (e.g.,processor 502 and/or computer readable medium 522). The computer 500also may include input and output ports 512 and/or a display 510 toconnect with input and output devices such as keyboards, mice,touchscreens, monitors, displays, etc. The various system functions maybe implemented in a distributed fashion on a number of similarplatforms, to distribute the processing load. Alternatively, the systemsmay be implemented by appropriate programming of one computer hardwareplatform.

Program aspects of the technology may be thought of as “products” or“articles of manufacture” typically in the form of executable codeand/or associated data that is carried on or embodied in a type ofmachine-readable medium. “Storage” type media include any or all of thetangible memory of the computers, processors or the like, or associatedmodules thereof, such as various semiconductor memories, tape drives,disk drives and the like, which may provide non-transitory storage atany time for the software programming. All or portions of the softwaremay at times be communicated through the Internet or various othertelecommunication networks. Such communications, for example, may enableloading of the software from one computer or processor into another, forexample, from a management server or host computer of the mobilecommunication network into the computer platform of a server and/or froma server to the mobile device. Thus, another type of media that may bearthe software elements includes optical, electrical and electromagneticwaves, such as used across physical interfaces between local devices,through wired and optical landline networks and over various air-links.The physical elements that carry such waves, such as wired or wirelesslinks, optical links, or the like, also may be considered as mediabearing the software. As used herein, unless restricted tonon-transitory, tangible “storage” media, terms such as computer ormachine “readable medium” refer to any medium that participates inproviding instructions to a processor for execution.

While the presently disclosed methods, devices, and systems aredescribed with exemplary reference to transmitting data, it should beappreciated that the presently disclosed embodiments may be applicableto any environment, such as a desktop or laptop computer, an automobileentertainment system, a home entertainment system, etc. Also, thepresently disclosed embodiments may be applicable to any type ofInternet protocol.

It should be appreciated that in the above description of exemplaryembodiments of the invention, various features of the invention aresometimes grouped together in a single embodiment, figure, ordescription thereof for the purpose of streamlining the disclosure andaiding in the understanding of one or more of the various inventiveaspects. This method of disclosure, however, is not to be interpreted asreflecting an intention that the claimed invention requires morefeatures than are expressly recited in each claim. Rather, as thefollowing claims reflect, inventive aspects lie in less than allfeatures of a single foregoing disclosed embodiment. Thus, the claimsfollowing the Detailed Description are hereby expressly incorporatedinto this Detailed Description, with each claim standing on its own as aseparate embodiment of this invention.

Furthermore, while some embodiments described herein include some butnot other features included in other embodiments, combinations offeatures of different embodiments are meant to be within the scope ofthe invention, and form different embodiments, as would be understood bythose skilled in the art. For example, in the following claims, any ofthe claimed embodiments can be used in any combination.

Thus, while certain embodiments have been described, those skilled inthe art will recognize that other and further modifications may be madethereto without departing from the spirit of the invention, and it isintended to claim all such changes and modifications as falling withinthe scope of the invention. For example, functionality may be added ordeleted from the block diagrams and operations may be interchanged amongfunctional blocks. Steps may be added or deleted to methods describedwithin the scope of the present invention.

The above disclosed subject matter is to be considered illustrative, andnot restrictive, and the appended claims are intended to cover all suchmodifications, enhancements, and other implementations, which fallwithin the true spirit and scope of the present disclosure. Thus, to themaximum extent allowed by law, the scope of the present disclosure is tobe determined by the broadest permissible interpretation of thefollowing claims and their equivalents, and shall not be restricted orlimited by the foregoing detailed description. While variousimplementations of the disclosure have been described, it will beapparent to those of ordinary skill in the art that many moreimplementations and implementations are possible within the scope of thedisclosure. Accordingly, the disclosure is not to be restricted exceptin light of the attached claims and their equivalents.

1-20. (canceled)
 21. A computer-implemented method for post-purchaseprice matching, comprising: receiving, via one or more processors, afunding request regarding settlement of a completed transactioninvolving an item purchased for a first price, the request received froma provider of the item and including transaction information associatedwith the completed transaction, the transaction information including anamount of the first price; in response to receiving the transactioninformation, determining, based on the amount of the first pricereceived with the transaction information, an identifier associated withthe item; with reference to the identifier associated with the item,accessing an Application Programming Interface (API) configured todetermine whether the item is available for a second price; in responseto receiving, via the one or more processors and from the API, anindication that the item is available for the second price, comparing,via the one or more processors, the first price with the second price;and in response to determining that the first price is higher than thesecond price based on the comparison: adjusting, via the one or moreprocessors, the first price based on the second price; determining, viathe one or more processors, a finalized amount for the completedtransaction based on the adjusted first price for the item; and causing,via the one or more processors, a settlement of the completedtransaction based on the finalized amount to be transferred to theprovider.
 22. The computer-implemented method of claim 21, wherein thedetermining of the identifier, the accessing, the comparing, thedetermining of the finalized amount, and the causing are performed onlyupon determining that the funding request has been received within apredetermined period of time surrounding occurrence of the completedtransaction.
 23. The computer-implemented method of claim 21, whereinthe adjusting of the first price is further based on one or more of adiscount or membership applicable to the second price.
 24. Thecomputer-implemented method of claim 21, wherein the determining of theidentifier, the accessing, the comparing, the determining of thefinalized amount, and the causing are performed only upon determiningthat the provider is pre-approved for post-purchase price-matching. 25.The computer-implemented method of claim 21, wherein determining thatthe first price is higher than the second price based on the comparisonincludes only determining that the first price is higher than the secondprice upon determining that the first price is higher than the secondprice by at least a threshold amount.
 26. The computer-implementedmethod of claim 21, wherein the adjusting of the first price is alowering of the first price by a lesser of (i) a different between thefirst price and the second price, and (ii) a predetermined thresholdamount.
 27. The computer-implemented method of claim 21, wherein thedetermining of the identifier, the accessing, the comparing, thedetermining of the finalized amount, and the causing are performed onlyupon determining one or more of: that less than a threshold number ofadjustments to prices of items of the provider have been made within apredetermined period of time; that a total value of the adjustment tothe prices of items of the provider within the predetermined period oftime is less than a predetermined amount; or that less than a furtherthreshold number of adjustments of price of items of the provider havebeen made for a purchaser of the item within the predetermined period oftime.
 28. A system for post-purchase price matching, comprising: atleast one memory storing instructions; and at least one processoroperatively connected to the at least one memory, and configured toexecute the instructions to perform operations, including: receiving,via one or more processors, a funding request regarding settlement of acompleted transaction involving an item purchased for a first price, therequest received from a provider of the item and including transactioninformation associated with the completed transaction, the transactioninformation including an amount of the first price; in response toreceiving the transaction information, determining, based on the amountof the first price received with the transaction information, anidentifier associated with the item; with reference to the identifierassociated with the item, accessing an Application Programming Interface(API) configured to determine whether the item is available for a secondprice; in response to receiving, via the one or more processors and fromthe API, an indication that the item is available for the second price,comparing, via the one or more processors, the first price with thesecond price; and in response to determining that the first price ishigher than the second price based on the comparison: adjusting, via theone or more processors, the first price based on the second price;determining, via the one or more processors, a finalized amount for thecompleted transaction based on the adjusted first price for the item;and causing, via the one or more processors, a settlement of thecompleted transaction based on the finalized amount to be transferred tothe provider.
 29. The system of claim 28, wherein the determining of theidentifier, the accessing, the comparing, the determining of thefinalized amount, and the causing are performed only upon determiningthat the funding request has been received within a predetermined periodof time surrounding occurrence of the completed transaction.
 30. Thesystem of claim 28, wherein the adjusting of the first price is furtherbased on one or more of a discount or membership applicable to thesecond price.
 31. The system of claim 28, wherein the determining of theidentifier, the accessing, the comparing, the determining of thefinalized amount, and the causing are performed only upon determiningthat the provider is pre-approved for post-purchase price-matching. 32.The system of claim 28, wherein determining that the first price ishigher than the second price based on the comparison includes onlydetermining that the first price is higher than the second price upondetermining that the first price is higher than the second price by atleast a threshold amount.
 33. The system of claim 28, wherein theadjusting of the first price is a lowering of the first price by alesser of (i) a different between the first price and the second price,and (ii) a predetermined threshold amount.
 34. The system of claim 28,wherein the determining of the identifier, the accessing, the comparing,the determining of the finalized amount, and the causing are performedonly upon determining one or more of: that less than a threshold numberof adjustments to prices of items of the provider have been made withina predetermined period of time; that a total value of the adjustment tothe prices of items of the provider within the predetermined period oftime is less than a predetermined amount; or that less than a furtherthreshold number of adjustments of price of items of the provider havebeen made for a purchaser of the item within the predetermined period oftime.
 35. A non-transitory computer-readable medium comprisinginstructions for post-purchase price matching, the instructionsexecutable by at least one processor to perform operations, including:receiving a funding request regarding settlement of a completedtransaction involving an item purchased for a first price, the requestreceived from a provider of the item and including transactioninformation associated with the completed transaction, the transactioninformation including an amount of the first price; in response toreceiving the transaction information, determining, based on the amountof the first price received with the transaction information, anidentifier associated with the item; with reference to the identifierassociated with the item, accessing an Application Programming Interface(API) configured to determine whether the item is available for a secondprice; in response to receiving, via the at least one processor and fromthe API, an indication that the item is available for the second price,comparing, via the one or more processors, the first price with thesecond price; and in response to determining that the first price ishigher than the second price based on the comparison: adjusting thefirst price based on the second price; determining a finalized amountfor the completed transaction based on the adjusted first price for theitem; and causing a settlement of the completed transaction based on thefinalized amount to be transferred to the provider.
 36. Thenon-transitory computer-readable medium of claim 35, wherein thedetermining of the identifier, the accessing, the comparing, thedetermining of the finalized amount, and the causing are performed onlyupon determining that the funding request has been received within apredetermined period of time surrounding occurrence of the completedtransaction.
 37. The non-transitory computer-readable medium of claim35, wherein the adjusting of the first price is further based on one ormore of a discount or membership applicable to the second price.
 38. Thenon-transitory computer-readable medium of claim 35, wherein thedetermining of the identifier, the accessing, the comparing, thedetermining of the finalized amount, and the causing are performed onlyupon determining that the provider is pre-approved for post-purchaseprice-matching.
 39. The non-transitory computer-readable medium of claim35, wherein determining that the first price is higher than the secondprice based on the comparison includes only determining that the firstprice is higher than the second price upon determining that the firstprice is higher than the second price by at least a threshold amount.40. The non-transitory computer-readable medium of claim 35, wherein thedetermining of the identifier, the accessing, the comparing, thedetermining of the finalized amount, and the causing are performed onlyupon determining one or more of: that less than a threshold number ofadjustments to prices of items of the provider have been made within apredetermined period of time; that a total value of the adjustment tothe prices of items of the provider within the predetermined period oftime is less than a predetermined amount; or that less than a furtherthreshold number of adjustments of price of items of the provider havebeen made for a purchaser of the item within the predetermined period oftime.